Looking for cheaper insurance coverage rates for your Honda Civic? There isn’t anyone who looks forward to paying for insurance coverage, especially knowing they are paying too much.
Since people have many different company options, it’s difficult to choose the right insurance coverage provider.
There are multiple methods you can shop for auto insurance but some are easier and takes less work. You could waste a few hours driving to insurance agencies in your area, or you could use the internet to accomplish the same thing much quicker.
Many insurance companies enroll in a system where insurance shoppers submit their information once, and every company returns a rated price based on the submitted data. This saves time by eliminating form submissions for each company.
To get comparison pricing now click here to start a free quote.
One minor caviat to getting quotes like this is you are unable to specify the providers you want to price. So if you prefer to pick from a list of companies to compare rates, we have assembled a list of companies who write auto insurance in your area. Click to view list.
It’s up to you which method you use, but be sure you’re using identical quote data with each company. If you use different limits and deductibles on each one you will not be able to determine the lowest rate for your Honda Civic. Just a small difference in insurance coverages could mean much higher rates. And when quoting auto insurance, remember that obtaining a wide range of quotes helps you find the best offered rates.
Some providers don’t always publicize the entire discount list very well, so the list below contains some of the more common and also the lesser-known discounts that you can inquire about if you buy auto insurance online. If you do not check that you are getting every discount possible, you are throwing money away.
Discounts lower rates, but most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it’s just not the way it works. But any discount will positively reduce the cost of coverage.
Insurance companies that may offer many of the previously listed discounts possibly include:
When comparing rates, check with each company how you can save money. Some of the earlier mentioned discounts might not apply in your state.
When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions might help in determining whether you could use an agent’s help.
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Many different elements are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but others are not as apparent such as whether you are married or your commute time.
The itemized list below are some of the most rate-impacting factors that factor into your prices.
Understanding the coverages of your insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.
Collision coverages – Collision insurance pays for damage to your Civic caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as crashing into a building, backing into a parked car, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.
Liability coverage – This coverage provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage protects against things like legal defense fees, repair costs for stationary objects, medical services and loss of income. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for expenses for hospital visits, surgery, nursing services, chiropractic care and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive auto coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like rock chips in glass, a broken windshield, damage from getting keyed and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Honda Civic.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.
Cheaper 2001 Honda Civic insurance can be bought both online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide internet price quotes and these small, regional companies only sell coverage through independent agencies.
While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
Additional insurance information can be found below: